It doesn’t matter how good your crdit card is, it’s simply not a good idea to pay off your bills with it. You are effectively creating another bill with your credit card aren’t you, so you’re not saving any money, only costing yourself more in the long run…
It is essential that you should live with what you have, and no credit card should ever be a means to live. If you’re using your crdit card to buy things like your weekly shopping, simply because you don’t have the money, and you have no intention (or indeed way) of paying it back at the end of the month then you seriously need to cut down your shopping bill and stop spending as much money.
It really is that simple. Stop spending so much money on things you don’t need. If you’re working (which you should be if you have a credit card) then your wage should provide you with enough money to live on and there are government benefits that can help you if you are struggling. If you use your credit card then you are likley to get into even more trouble and it won’t be easy to get out of.
The worst case of this happening is when people use their credit cards to take cash from a machine in order to make payments on their mortgage or pay other bills over the counter. The interest charges on credit cards are enough as it is, but when you take cash with them they can be even worse than that; the interest rate for cash is astronomical these days and simply shouldn’t be used except in an emergency.